v3.26.1
Consolidated Statements of Cash Flows (Unaudited) - USD ($)
$ in Thousands
 6 Months Ended
Jun. 30, 2026
Jun. 30, 2025
CASH FLOWS FROM OPERATING ACTIVITIES:    
Net income $ 8,589 $ 6,061
Adjustments to reconcile net income to net cash provided by (used in) operating activities:    
Depreciation 660 770
Amortization of intangibles 11 11
Net amortization of securities 26 58
Amortization of debt issuance costs 12 12
Provision of credit loss expense 778 388
Deferred income tax (308) (229)
Net loss on sales of foreclosed assets 0 25
Net loss on sales of bank premises and equipment 65 0
Net gain on sale of loans (5,125) (4,482)
Net mortgage servicing rights amortization 54 153
Origination of loans held for sale (151,523) (149,800)
Proceeds from loans held for sale 154,152 140,610
Change in accrued interest receivable (559) (557)
Change in bank-owned life insurance (289) (281)
Change in other assets (461) (942)
Change in accrued interest payable and other liabilities (1,109) (176)
Net cash provided by (used in) operating activities 4,973 (8,379)
CASH FLOWS FROM INVESTING ACTIVITIES:    
Proceeds from maturities, paydowns and calls of available-for-sale debt securities 14,932 11,127
Purchases of available-for-sale debt securities (9,170) (13,931)
Net redemptions of FHLB stock 113 0
Purchases of FHLB stock 0 (557)
Loan (originations) and principal collections, net 42,398 (2,857)
Proceeds from sales of foreclosed assets 0 794
Proceeds from sales of bank premises and equipment 251 0
Purchases of bank premises and equipment, net (697) (306)
Net cash provided by (used in) investing activities 47,827 (5,730)
CASH FLOWS FROM FINANCING ACTIVITIES:    
Net change in deposits (7,117) (4,520)
Net change in securities sold under agreements to repurchase (1,701) 3,520
Cash dividends paid (1,273) (1,194)
Purchases and retirement of common stock 0 (263)
Net change in short-term FHLB advances and other borrowings (27,000) 9,000
Advances on long-term FHLB advances and other borrowings 0 25,000
Payments on long-term FHLB advances and other borrowings (5,000) (15,000)
Proceeds from stock options exercised 555 26
Net cash used in financing activities (41,536) 16,569
Increase in cash and cash equivalents 11,264 2,460
Cash and cash equivalents:    
Beginning of the year 49,639 44,976
Ending of the period 60,903 47,436
Cash payments for interest paid:    
Deposits 12,857 13,997
Securities sold under agreements to repurchase 303 358
FHLB advances and other borrowings 1,193 1,316
Total 14,353 15,671
Income taxes paid:    
Federal 1,980 1,159
State and local Illinois 1,075 675
Other 387 260
Total 3,442 2,094
SUPPLEMENTAL DISCLOSURES OF NONCASH AND FINANCING ACTIVITIES:    
Dividends payable $ 667 $ 610